Hillsdale County property record for 416 N Main St, Reading, MI 49274
| Property Type | Mobile Home |
|---|---|
| Details | 1 ba · 980 sqft |
| Lot Size | 0.26 acres (11,369 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $279,900 (Jul 2021) |
| Tax Bill | $427 (2021) |
| Deeds & Mortgages | Jul 2022 Second Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-110-001-057-22-7-4 |
| Primary APN | 20-110-001-057-22-7-4 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 980 sqft Living Area |
| Architectural Style | Ranch |
|---|---|
| Exterior Material | Wood Siding |
| Lot Area | 11,369 sqft (0.26 acres) |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 416 N MAIN ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9613 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | COM SE COR N1/4 SE1/4 SEC TH W 165 FT TH S 69 FT TH E 165 FT TH N 69 FT TO POB UNPLATTED SEC 22 T7S R4W .26 A M/L CITY OF REA |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 50400 |
Source: Hillsdale County records, as of August 4, 2023
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 424 N MAIN ST, READING, MI 49274-9613 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 19, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage STURGIS BANK & TRUST CO |
| Jul 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2021 · Amount on Record |
| Deed Sale | Jul 23, 2021 · Amount on Record |
| Deed Document Number | 0001801692 |
| Deed Book / Page | 1801 / 692 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 416 N MAIN ST, READING, MI 49274-9613 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001831/191 |
|---|---|
| Date | Jul 19, 2022 |
| Book Page | 1831/191 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Jul 23, 2021 |
| Property Address | 416 N MAIN ST, READING, MI 49274-9613 |
| Document Number | 001801/692 |
| Book / Page | 1801 / 692 |
| Instrument Date | Jul 22, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Title Company | PUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,408.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9095 W CHICAGO RD, 9095, ALLEN, MI 49227-9719 |
| Name | Verified Name |
|---|---|
| Address | 3602 CURTIS RD, NASHVILLE, MI 49073-9401 |
| Document Number | 0001801694 |
|---|---|
| Date | Jul 23, 2021 |
| Instrument | 1801/694 |
| Name | OAK MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.97% |
| Adjustable | Adjustable Rate Rider |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 4.87% |
| Index | 6-Month LIBOR |
| Max Rate | 8.87% |
Source: Hillsdale County assessment roll, as of March 1, 2023
| Type | Name |
|---|---|
| State | Michigan |
| County | Hillsdale County |
| Municipality | Reading City |
| Unified School District | Reading Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $10,500 | $21,093 Land $8,225 Building $12,868 | |
| 2021 | $427.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective February 19, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2001) |
| Most Recent Claim | Feb 2001 · river or lake flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| DMCI Broadband Fiber | 1,000 / 1,000 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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